BOB Personal Loan Online Apply 2024: यहां से मिलेगा बिना गारेंटी ₹10 लाख का लोन वो भी 0% ब्याज पर

BOB Personal Loan Online Apply 2024: Bank of Baroda is currently offering its customers the opportunity to avail of a personal loan with a maximum limit of 10 lakhs at highly competitive interest rates. If you happen to be a customer of the Bank of Baroda and looking for a bob personal loan, this article is your go-to guide for the BOB personal loan scheme in 2024. We’ll cover the BOB Personal Loan Online Apply eligibility criteria and provide a detailed list of essential documents. Additionally, you’ll find information on documentation charges, processing fees, GST, and any other hidden charges that the bank may apply. Take a moment to explore this article for a comprehensive overview of the BOB Personal Loan Online Apply offerings.

Bank of Baroda, a nationalized bank in India, is making it convenient for its customers to access loans up to 10 lakh rupees through a bob online application process that takes just a few minutes. You no longer need to worry about visiting a branch or standing in long queues; the entire BOB Personal Loan Online Apply application can be completed using your mobile phone. The bank is extending personal loans ranging from Rs 50,000 to 10 lakhs through this mobile-friendly process. These BOB Personal Loan Online Apply 2024 can be utilized for various purposes such as covering marriage expenses, planning vacations, managing educational costs, addressing medical treatment needs, or enhancing your home through decoration or renovation.

Charges in BOB Personal Loan Online Apply 2024

At the Bank of Baroda, the BOB Personal Loan Online Apply interest rate starts at 12.40%, and they are subject to adjustments based on the customer’s CIBIL score and other conditions. The maximum interest rate that the bank may apply to personal loans is 17.75%. Additionally, a 2% processing fee, ranging from 1000 rupees to a maximum of 10000 rupees based on the loan amount, will be levied, with an additional deduction for GST from the net amount. It’s worth noting that the bank also imposes a 2% penal interest. Despite these details, Bank of Baroda assures its customers that there are no hidden charges associated with their personal loans.

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BOB Personal Loan Online Apply Eligibility

To apply for a BOB personal loan online, only existing customers of Bank of Baroda, who are Indian residents, are eligible. Eligible individuals must hold an account with the bank, be it a savings account, current account, salary account, or any other account type.

Applicants should be at least 21 years old at the time of BOB Personal Loan Online Apply, and the maximum age limit is set at 65 years. For those currently unemployed, a minimum of one year of employment with the current company is required. Self-employed individuals are also welcome to apply but are expected to have a minimum of one year of experience in their respective field.

Important document list for BOB Personal Loan Online Apply

When applying for a personal loan through the online mode at Bank of Baroda, ensure you have the following documents and information ready as it will be uploaded on the official website:

  • A valid mobile number.
  • Aadhar card of the applicant.
  • PAN card.
  • Bank statements covering at least six months, obtained through digital means.
  • The latest six months’ salary slips for employees.
  • For self-employed individuals, a minimum of one-year balance sheet and the latest GST return filing are required.
  • A reliable smartphone or device with a selfie camera and internet capabilities is essential for the online KYC process.

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BOB Personal Loan Online Apply 2024

You can apply for a Bank of Baroda online loan without installing the mobile application by visiting the official website so you can follow the step-by-step procedure which is mentioned below:

  •  visit the official website of the Bank of Baroda by clicking on this link: 
  • Now you will reach out to the official website of the online loan-providing facilities of Bank of Baroda where you can read all the terms and conditions and BOB Personal Loan Online Apply eligibility criteria on the dashboard. Once you read the information you can scroll the website and click on the proceed link 
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  • Now you will be asked to enter your mobile number and you will receive the OTP on the mobile number
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  • If your number is registered with the bank then you will receive the OTP after that the application form will appear on your screen which should be filled through online mode
  • Select Loan amount and EMI procedure to repay the loan and after that click on the submit link

After submitting your application, expect to receive a notification on your mobile phone. Upon successful completion of the verification process, which typically takes a few minutes to a few hours, the loan amount will be deposited into your bank account.